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Cheapest Car Insurance Rates in florida

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What is FR-44 Insurance?

FR-44 insurance is very similar to SR-22 insurance, but it is only required in Florida and Virginia. FR-44 insurance proves that you have higher liability insurance coverage than the state minimum and FR-44 has stricter requirements than SR-22 insurance. In order to have FR-44 insurance, you must have a car insurance policy. A driver will normally be required to obtain FR-44 insurance for 3 years. 

Although you can expect higher insurance premiums when you are required to get FR-44 insurance, White Chip ensures you will find the most affordable FR-44 insurance. Contact us today to find cheap FR-44 insurance and cheap car insurance.

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Best Car Insurance Companies in Florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the insurance business for several years. Our team will ensure you get cheap car insurance in Florida.

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Progressive

Progressive is a leading affordable car insurance provider in Florida.

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Allstate

Allstate is a major insurance company in the US and provides cheap car insurance in Florida.

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The General

The General Insurance provides low cost auto insurance in Florida.

Cheapest Car Insurance in Florida

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied. White Chip Insurance will get you cheap car insurance in Florida!

CompanyAverage Annual Premium
Progressive$3,289
Allstate$3,280
The General$2,629
Updated: 3/27/24
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Florida Auto Insurance Laws

At White Chip Insurance, we service all clients regardless of your driving history. Whether you are a new driver, experienced driver, you have past DUI’s, or even requiring SR-22 insurance, we have you covered. Our team is dedicated to provide our clients with the best and cheapest option for auto insurance.

For the legal minimum coverage level in Florida, expect to pay about $1,878 per year.

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the insurance business for several years. At White Chip Insurance, we service all clients regardless of your driving history. Whether you are a new driver, experienced driver, you have past DUI’s, or even requiring SR-22 insurance, we have you covered. Our team is dedicated to provide our clients with the best and cheapest option for auto insurance.

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State Minimum Coverage

Our team and main headquarters is located in Florida:

  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $5,000 per accident

Optional Coverage

Our team and main headquarters is located in Florida:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance

Florida Auto Insurance Premiums for Minimum Coverage

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied.

CompanyAverage Annual Premium
Progressive$1,399
Allstate$1,034
The General$1,012
Updated: 3/28/2024

Auto Insurance in Florida with Bad Credit

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied.

CompanyAverage Annual Premium
Progressive$3,716
Allstate$3,434
The General$2,724
Updated: 3/28/2024

Auto Insurance in Florida for Young Drivers

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied.

CompanyAverage Annual Premium
Progressive$9,273
Allstate$10,567
The General$8,255
Updated: 3/28/2024

SR-22 Insurance in Florida

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied.

Already Insured

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the insurance business for several years.

Currently Uninsured

At White Chip Insurance, we service all clients regardless of your driving history. Whether you are a new driver, experienced driver, you have past DUI’s, or even requiring SR-22 insurance, we have you covered. Our team is dedicated to provide our clients with the best and cheapest option for auto insurance.

For Drivers without a Vehicle

We established White Chip Insurance in 2013 in Tampa, Florida. Our goal was to bring an easy and affordable way for our clients to obtain reliable insurance coverage.

Rates by City

How do we save our clients so much money? Our team is dedicated to finding our clients the best rates. At White Chip Insurance we understand the importance of finding the best carriers for our clients and make sure all applicable discounts are being applied.

CityAverage Annual Premium
Jacksonville$2,245
Miami$3,075
Orlando$2,302
Tallahassee$2,072
Tampa$2,990
Updated: 3/28/2024
How much is car insurance in my city?
TallahasseeJacksonvilleTampa
OcalaMiamiFort Lauderdale
OrlandoSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
MiramarLakelandDavie
Boca RatonSunriseSpring Hill
PlantationAlafayaFort Myers
LargoBrandonPalm Coast

florida Auto Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Auto Insurance.

What company has the cheapest car insurance in Florida?

Some of the most popular car insurance providers in Florida include State Farm, Allstate, GEICO, Progressive, and USAA. The cheapest car insurance rate in Florida varies on a driver-by-driver basis, but White Chip Insurance will you find you the cheapest car insurance in Florida.

What is the average cost of car insurance in Florida?

The average cost of car insurance in Florida is $1,939 per year, according to the Insurance Information Institute. The most expensive car insurance by city in Florida is Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state has a high risk of natural disasters, such as hurricanes and floods, and a high rate of car theft. Additionally, Florida is a no-fault state, which means that drivers are personally responsible for their own medical expenses regardless of who is at fault in an accident. This leads to an increase in the cost of insurance in Florida.

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Find the Cheapest Car Insurance Rates